Panama City Hurricane Claims Attorneys
Standing Up For the Rights of Panama City Homeowners after Hurricane Michael
The historic Category 4 Hurrican Michael may have long left national headlines, but months after the hurricane struck in October 2018, many homeowners in and around Panama City are still left dealing with the aftermath. If you had homeowner’s insurance and paid your premiums each month, you likely expected to file a claim, receive payment from the insurance company, and move forward rebuilding your life. Unfortunately, too many people have learned the process is not at all that simple.
Whether your insurance claim was delayed or denied after Hurricane Michael, know you still have options. At Ged Lawyers, LLP, our experienced insurance claims attorneys are helping many policyholders appeal denials and receive the insurance settlement they deserve in this stressful time. We are representing disaster victims all around ground zero for Hurricane Michael, including Mexico Beach, Panama City, Panama City Beach, and the surrounding areas. If your insurance company refused to pay, call our law firm right away.
Understanding the Hurricane Michael Insurance Process
Many people received denials because they didn’t know the right claim process to follow. Insurance policies are confusing, and the insurance companies usually won’t take the time to explain the details of your policy or point you in the right direction. As a result, many people receive denials because they didn’t file the right claims, recognize claim exceptions, or meet their deductibles.
Our attorneys will carefully review your policy information and determine whether any unintentional errors led to your denial. We can then prepare and pursue the proper claims under your policies.
Handling Multiple Claims
As most people in the Panama City area know, many homes suffered extensive flood damage. However, standard homeowner’s policies don’t cover flood damage. Instead, you will need to file a claim with your policy under the FEMA National Flood Insurance Program. Too many homeowners forget to file separate claims for wind and flood damage, and may even receive a denial of their entire claim as a result.
Additionally, if both your home and your car sustained damage from Hurricane Michael, you will need to file separate claims under your homeowner’s policy and your auto insurance policy. With the need for multiple claims, it is no surprise that homeowners can get confused and make mistakes during the claims process that lead to delays or denial.
Our insurance lawyers regularly handle multiple claims for our clients, and we will ensure that you have claims filed with each relevant policy so that you receive compensation for all the damage you suffered that was covered by insurance.
Was Your Claim Denied?
Having your Hurricane Michael insurance claim get denied is more common than you may think. Fortunately, this is not always the end of the road for homeowners. First, our lawyers will determine the exact reason for the denial, which may be one of the following:
Your policy was not effective when the hurricane struck
The type of damage claimed was not covered by your policy
You somehow voided your policy
Know that there are many ways to challenge such claims by insurance companies, both with the insurer itself or in the courts. Furthermore, if your insurance company acted in bad faith, we can take legal action on your behalf.
Contact Our Panama City Hurricane Claims Attorneys Today
Our legal team at Ged Lawyers, LLP is committed to protecting the rights of policyholders affected by Hurricane Michael. If you received a denial or need help with a claim, please don’t hesitate to call us for a free consultation at 850-684-4000 or send us a message online.